Do you know what information is contained in your background check? If not, you’re not alone. Most people have no idea what is included in a background check or how it can be used to judge their character. In this article, we will discuss the different types of background checks and their information. We will also talk about how this information can be used against you and how you can protect yourself.
What Are Background Checks?
A background check is a comprehensive review of your criminal and civil history. It can include everything from your driving record to your credit score. Background checks are used by employers, landlords, and other businesses to assess your character and determine whether you are fit for a particular job or relationship.
What’s Included in a Background Check?
The information included in a background check depends on the type of check being performed. For example, a criminal background check will include your criminal history, while a financial background check will focus on your credit score and employment history. Here is a more comprehensive list of basic information that may be included in most background checks:
- Your full name and any aliases that you have used
- Your date of birth
- Your Social Security number
- Your current address and any previous addresses that you have lived at
- Any professional licenses or certifications that you have
Types of Background Check
Your Employment History
The most common type of background check is the employment history check. This check will list your past employers, job titles, and dates of employment. It can also include information about your job performance, salary history, and any disciplinary action that was taken against you.
Your Credit Score
Another common type of background check is the credit score check. This check will show your credit history, including any late payments, bankruptcies, or foreclosures. It can also give your potential employer or landlord a good idea of your financial responsibility.
Your Criminal History
One of the most important types of background checks is the criminal history check. This check will list any arrests, convictions, or outstanding warrants that you have. It can also include information about your juvenile record if you have one.
Your Driving Record
Another important type of background check is the driving record check. This check will show any accidents, traffic violations, or suspensions that you have. It can also include information about your driver’s license status and insurance history.
Your Education History
The last type of background check that we will discuss is the education history check. This check will show your highest level of education and any colleges or universities you have attended. It can also include information about your GPA, class standing, and any awards or honors that you have received.
How Can This Information Be Used Against You?
Now that you know what information is included in a background check, you may be wondering how it can be used against you. The answer is simple: this information can be used to judge your character and determine whether or not you are fit for a particular job or relationship. For example, if you have a criminal record, your potential employer may decide that you are not fit for the job. Or, if you have poor credit, your landlord may decide that you are not responsible enough to rent their property.
How to Protect Yourself
Fortunately, there are ways to protect yourself from this type of discrimination. First, you should always review your own background check report before giving it to anyone else. This way, you will know what information is being reported about you and correct any inaccuracies. Second, you should only give your background check information to people you trust. And finally, you should keep in mind that not everyone will use this information against you. In fact, many employers and landlords use background checks as a way to protect themselves from liability. So, if you are ever asked for a background check from a legitimate source, don’t be afraid to provide one.
If there are issues you know will arise, then be honest and deal with them in advance. Employers and landlords will often appreciate honesty and will likely work with you to work something out.